Recharge your finances.

Rethink banking.

Take advantage of a limited 5.9% p.a. for 2 years1 and use the cash however you like - for a holiday, to upgrade your car or to pay off debts.

Citibank Ready Credit is a flexible and simple alternative to a personal loan. This line of credit gives you access to cash when you need it, to use on everyday expenses or those bigger things in life.

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Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply.

1. A Cheque to Self will be treated as balance transfer (BT) on your account. Your total balance transfers with this offer may not exceed 80% of your credit limit. The 5.9% p.a. interest rate applies to balances transferred with this offer at point of application and Cheques to Self made with this offer within 90 days of account opening for a period of 2 years. Payments are applied to BT amounts before cash advances and retail purchases, and if your account has more than one BT, the BT at the lowest interest rate will be repaid first. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citibank Ready Credit standard Annual Percentage Rate, currently 19.49% p.a. Interest rates are variable and subject to change. This information is current as at 1 June 2014. This offer ends 30 September 2014. Offer may be extended. Existing Ready Credit and Personal Credit customers are not eligible to apply for this introductory offer.

2. A credit line of between $5,000 and $60,000 will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 per year.

3. Minimum repayments apply.

4. Currency conversion fee applies to transactions made in a foreign currency. Other service fees and charges including late payment fee and dishonour fee may apply.

5. $69 ($99 from 1 August) establishment fee will be debited to your Account on the first use of your Account (including Card activation). This fee will appear on your first statement of Account.

7. Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at citibank.com.au/lendingcompinsurance. An excess applies to Purchase Cover Insurance.

8. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399717. Please visit citibank.com.au/dining for important information about how to use this program to receive a free bottle of wine.

9. World privilege payment must be made using a Citibank Credit or Visa Debit Card. Refer to citiworldprivileges.com for up-to-date offer details.

*Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. This rate, balance, interest and potential savings calculations in the table above am examples only. Your personal circumstances may differ It does not include interest accrued at the standard interest rate.